Understanding the Italian-Albanian Remittances Market
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1 Understanding the Italian-Albanian Remittances Market by Pierfrancesco Gaggi Associazione Bancaria Italiana Albanian Association of Banks Meeting Tirana, 27 July, 2006
2 Where Are The Albanians in Italy
3 The ABI Survey - Highlights ABI prepared 2 questionnaires: a basic questionnaire and a detailed questionnaire, sent to 2 samples of banks 23 Banks responded to the basic questionnaire, covering 44% of Italian banking system assets 9 banks responded to the detailed survey, including 4 out of the 5 major Italian banks Respondents to the basic survey cover 34% of Albanian migrants potential market Respondents to the detailed survey cover 23% of Albanian migrants potential market
4 The ABI Detailed Survey - Respondents Bank Name Total Assets Responded to Detailed (Euro Billion) Questionnaire Unicredit 266 X San Paolo-IMI 211 X MPS 154 X Capitalia 133 X BPU 64 Antonveneta 45 BP Lodi 44 BP Milano 28 X BP Emilia-Romagna 20 X Banca Toscana 17 Mediolanum 15 Banco di Brescia 15 X CR Parma e Piacenza 15 X BP Sondrio 12 Banca Marche 12 Banco di Sardegna 10 ICCREA 7 ICBPI 5 Rasbank 4 Banca Regionale Europea 1 X BCC Treviglio 1 JP Morgan (*) DRKW (*)
5 Albanian business is mostly in North-West & Central Italy THE 10 MOST IMPORTANT PROVINCES 7.00 LOMBARDIA PIEMONTE EMILIA-ROMAGNA 6.00 DEGREE OF IMPORTANCE TOSCANA LAZIO MILANO TORINO PAVIA BOLOGNA REGGIO EMILIA FIRENZE BRESCIA VARESE BERGAMO ROMA
6 Albanian business: some 200,000 accounts & 700 million balances ESTIMATED CHECKING ACCOUNT DEPOSITS OF ALBANIAN CLIENTS Total N of accounts (thousands) Total Balance (millions )
7 Albanian Clients: Little role for dedicated checking accounts CHECKING ACCOUNT TYPE OF ALBANIAN CLIENTS (IN %) MIGRANT TARGETED = 33% (*) DOMESTIC TARGETED = 67% 1 3 Migrant targeted Standard Young Corporate Package 34 (*) 90% for one of the top 4 banks; market average excluding this data is 25%
8 The nature of banking services used by Albanian clients ASSESSING THE USE OF VARIOUS BANKING SERVICES bit cards (Bancomat) Wage deposit Consumer credit Mortage payments Utility payments Checks Remittances Insurance services Credit cards Safeguarding securities Asset management Albanian clients Total clients Scale 1=no use; 2=little; 3=average; 4=above average; 5=always De
9 Remittance transfers not very popular with Albanians without checking accounts TYPE OF SERVICE TO ALBANIANS WITHOUT CHECKING ACCOUNT PERCENTAGE Savings deposits Prepaid cards Cashing checks Remittance transfers
10 Only two banks out of five active in the remittances services do business with Albania SHARE OF ALBANIAN MIGRANTS' POTENTIAL MARKET COVERED BY BANKS SUPPLYING: PERCENTAGE REMITTANCE SERVICES REMITTANCE SERVICES TO ALBANIA REMITTANCE AGREEMENTS WITH ALBANIAN BANKS
11 Remittance Agreements Capture Few Service Dimensions REMITTANCE AGREEMENTS WITH ALBANIAN BANKS (% MARKET SHARE) COST OF TRANSFER COST OF TRANSFER ALSO TIME OF TRANSFER ALSO CASH DELIVERY 8 0
12 Bank Client Remittances: Little Product Choice Offered MODE OF REMITTANCE TO ALBANIA MTO &/or Prepaid Card BT + MTO + Prepaid Card %age ONLY BANK TRANSFERS (BT) 0 1
13 A prospective view: stronger potential in loans than remittances EXPECTATIONS ABOUT THE FUTURE USE OF BANKING SERVICES BY ALBANIAN MIGRANTS 3,5 3,0 3,0 2,8 EXPECTED GROWTH 2,5 2,0 1,5 1,0 1,8 2,1 0,5 0,0 Loans Payments services in Italy Asset management Remittances scale 1 = none; 2 = little; 3 = average; 4 = above average; 5 = strong
14 Conclusion & Further Steps Albanian customers are only partially banks customers Remittances are an important service in the Albanian customer view Italian banks are interested in offering remittances as a service enabling them to acquire a relevant share of new customers In perspective, Italian banks see loans and transactional activity in Italy as the most promising business areas in the relationship with Albanian customers It seems very central, both for Italian and Albanian banks to increase the number of bilateral agreements concerning remittances ( and not only!) ABI ready to work with AAB and Convergence (WB) in order to improve the remittances flows
15 THANK YOU FOR YOUR ATTENTION! Pierfrancesco GAGGI Deputy Central Director Market Services Area Associazione Bancaria Italiana
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